On this episode of Andy Albright's MOVE, you'll learn all about why it's better to "Save Smarter, Not Harder ... a guide to all things Index Universal Life insurance.

What good is wealth accumulation without wealth preservation?

So understand this. Wealth preservation is not simply putting your money in something safe, like an annuity, it is preserving the wealth from unnecessary taxes. Most of us want to contribute to the common good by paying taxes—schools, fire department, police, roads—and we want to stay within the boundaries of the law, but ignorance of tax liability can erode our wealth.

We invest in the wrong tax-advantage financial vehicles. We are not aware of tax-efficiencies. Our tax strategy does not work with our income distribution plan later in life. You don't know it, but you have laid landmines all around your wealth accumulation plan and one of these days you are going to stumble over that land mine.

This book is going to help you with wealth accumulation and how to preserve that wealth in retirement by setting up tax strategies … now.

The book is also going to help you with planning. If you are reading this book and you are in your early 30s, perfect. Please don't be dazzled by the booms of the stock market and the 20 percent wins on stocks. It doesn't last. Invest in the market, sure, but when you diversify think about the IUL and lifetime achievement of your wealth.

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